Onisis Consulting

Preparing a major capital investment, facility expansion, acquisition, or bank financing? Before you commit capital, unexamined assumptions are always the ones that cost the most. We stress-test operational scenarios, build dynamic bank-grade financial models, and structure capital options so you move with complete confidence.Led by former banking C-level executive Konstantinos Kormentzas (CRO/Auditor/COO with 20+ years of institutional banking experience), our Financial Planning service delivers: • Bank-Grade Business Plans: Institutional-caliber financial plans and multi-year projection models designed to answer the exact risk and covenant questions credit committees ask. • Dynamic Scenario & Sensitivity Stress-Testing: Evaluating best, base, and downside cash scenarios against inflation, cost overruns, and delayed sales ramp-up. • Capital Structure & Funding Optimization: Comparing bank debt, equity, working capital facilities, and mezzanine options to minimize cost of capital and dilution. • Banking Negotiation Support: Leveling the playing field when negotiating loan covenants, interest spreads, and collateral terms.

You have an ERP, dozens of reports, and people constantly building spreadsheets. Yet when leadership needs a clear answer, you wait weeks — or compare conflicting figures that fail to reconcile.The problem is not a lack of data. It is that data has not been modeled around the strategic decisions leadership makes every week. We transform scattered data into a unified Single Source of Truth (SSOT), enabling five-minute executive decisions.Unlike generic IT vendors, our solutions are designed by former banking executives who understand financial governance and commercial reality: • Single Source of Truth (SSOT): Consolidating ERP, CRM, and operational exports into one authoritative financial data model — ending the "whose number is right?" debate. • 5-Screen Executive Dashboard Architecture: Noise-free Power BI views covering Sales Performance, Gross Margin, Overhead, Cash Flow, and Working Capital. • Automated Data Refresh: Replacing static rear-view accounting reports with automated daily/weekly visibility to steer business moves in real time. • Dual-Level Onboarding & 90-Day Support: Comprehensive training for executive management and operational teams, ensuring high adoption.

Turnover is growing, but profitability fails to follow? In expanding enterprises (€3M–€50M turnover), profit rarely disappears through one dramatic mistake. It is usually the cumulative result of unexamined daily discount concessions, legacy trading terms, and unprofitable SKUs subsidized by top performers.Our Profitability Enhancement service recaptures hidden margin without requiring new capital expenditure: • Granular Margin Forensics: Identifying exact contribution margins by customer account, sales representative, product category, and SKU. • Discount & Rebate Discipline: Eliminating silent margin leakage by establishing transparent, tiered discount policies tied to real profitability rather than empty volume. • Customer "Cost-to-Serve" Analysis: Exposing accounts that generate high top-line revenue but destroy operating margins through high logistical and commercial friction. • Sales Incentive Realignment: Arming sales teams with margin data so commercial representatives defend prices and negotiate with confidence.

The liquidity your business needs is often already trapped inside your balance sheet. We identify which customer accounts, credit policies, and inventory lines generate cash and which quietly lock it up — transforming working capital into a self-funded driver of growth.Many mid-market companies are profitable on paper yet chronically starved for cash. They default to seeking emergency bank loans or credit lines when the root problem is structural cash drag.Our Cash Flow Optimization service delivers: • Working Capital Release: Forensic analysis of Days Sales Outstanding (DSO) and Days Inventory Outstanding (DIO) to extract locked liquidity. • Rolling 13-Week Cash Flow Forecasting: Institutional-grade forecasting models that predict liquidity bottlenecks well before they become emergencies. • Customer Credit & Terms Policy: Recalibrating credit limits and payment terms to safeguard operating cash without harming sales volume. • Supplier Payment & Working Capital Alignment: Restructuring vendor schedules and inventory turn cycles to compress the Cash Conversion Cycle (CCC).

Independent strategic financial leadership and governance for growing small and medium-sized enterprises (€3M–€50M turnover), without the prohibitive overhead of a permanent C-level executive hire.As a business expands, decisions multiply and the financial stakes increase. Internal staff and accountants handle operational execution, but founders often lack an independent executive partner who connects numbers to strategy, challenges assumptions, and speaks unfiltered commercial truth.Our Fractional CFO service delivers: • Executive Financial Governance: Implementing structured financial discipline, cash runway oversight, and capital allocation frameworks. • Objective Board-Level Sparring: An independent, seasoned sounding board beside leadership for high-stakes commercial decisions. • Commercial Team Accountability: Aligning sales targets, discount policies, and procurement with real gross margin and EBITDA goals. • Financial Institution Representation: Bank-grade financial reporting and debt negotiation from a position of institutional strength.